The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$10,011
−HK$628/mo
▼ 0.25% · 3.875%
HK$10,322
−HK$317/mo
Today · 4.125%
HK$10,639
baseline
▲ 0.50% · 4.625%
HK$11,286
+HK$647/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$21,278/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,137
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,436
−HK$303/mo
Today · 4.125%
HK$11,739
baseline
▲ 0.50% · 4.625%
HK$12,357
+HK$618/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$23,478/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,013
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,387
−HK$379/mo
Today · 4.125%
HK$12,766
baseline
▲ 0.50% · 4.625%
HK$13,543
+HK$777/mo
Deposit HK$1.76M · loan HK$2.63M · min. income ≈ HK$25,532/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,364
−HK$722/mo
▼ 0.25% · 3.875%
HK$13,723
−HK$363/mo
Today · 4.125%
HK$14,086
baseline
▲ 0.50% · 4.625%
HK$14,829
+HK$743/mo
Deposit HK$1.76M · loan HK$2.63M · min. income ≈ HK$28,172/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,015
−HK$879/mo
▼ 0.25% · 3.875%
HK$14,451
−HK$443/mo
Today · 4.125%
HK$14,894
baseline
▲ 0.50% · 4.625%
HK$15,800
+HK$906/mo
Deposit HK$1.32M · loan HK$3.07M · min. income ≈ HK$29,788/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,592
−HK$842/mo
▼ 0.25% · 3.875%
HK$16,010
−HK$424/mo
Today · 4.125%
HK$16,434
baseline
▲ 0.50% · 4.625%
HK$17,300
+HK$866/mo
Deposit HK$1.32M · loan HK$3.07M · min. income ≈ HK$32,868/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,020
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,580
−HK$570/mo
Today · 4.125%
HK$19,150
baseline
▲ 0.50% · 4.625%
HK$20,315
+HK$1,165/mo
Deposit HK$439K · loan HK$3.95M · min. income ≈ HK$38,300/mo (50% DSR)
Upfront cash ≈ HK$505K (deposit + AVD stamp duty HK$65,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,047
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,584
−HK$546/mo
Today · 4.125%
HK$21,130
baseline
▲ 0.50% · 4.625%
HK$22,243
+HK$1,113/mo
Deposit HK$439K · loan HK$3.95M · min. income ≈ HK$42,260/mo (50% DSR)
Upfront cash ≈ HK$505K (deposit + AVD stamp duty HK$65,854 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).